health and welfare benefits survey - · pdf filethe 2016 health and welfare benefits survey...

Cincinnati: 1200 Edison Drive, Cincinnati, OH 45216-2276 Phone: 513.679.4120 | Toll free: 888.237.9554 | Fax: 513.679.4139 Columbus: 300 E. Broad Street, Suite 550, Columbus, OH 43215-3774 Phone: 614.538.9410 | Toll free: 888.237.9554 | Fax: 614.538.9420 www.hrxperts.org

2016 Survey Series

ERA Salary Surveys

Non-Exempt

Office & Clerical

Production,

Maintenance, and Service

Professional and Supervisory

Engineering and

Technical

National Sales

Compensation and Practices

Executive Compensation

Wage and Salary

Adjustment

ERA Benefits Surveys

Policies and Practices

Health and Welfare Benefits

Turnover

Year-End Holidays

Health and Welfare Benefits Survey

©2016 Employers Resource Association I Health and Welfare Benefits Survey

TABLE OF CONTENTS

Introduction ............................................................................................................. II-VI

Health Benefit Information Employee Size Breakdown

PPO Plans ..................................................................................................... 1

POS Plans ..................................................................................................... 4

HMO Plans .................................................................................................... 7

High Deductible Plans .................................................................................. 10

Health Reimbursement Account Plans ............................................................. 13

Health Benefit Information Industry Breakdown

PPO Plans ................................................................................................... 16

POS Plans ................................................................................................... 19

HMO Plans .................................................................................................. 22

High Deductible Plans ................................................................................... 25

Health Reimbursement Account Plans ............................................................ 28

Supplemental Health Care Questions .............................................................................. 31

©2016 Employers Resource Association II Health and Welfare Benefits Survey

Introduction

The 2016 Health and Welfare Benefits Survey was conducted during May and June of 2016. It

contains data from 188 member companies, who provided data on over 300 health plans. Data has

been sorted according to company size and industry.

We would like to thank all of the member organizations and their representatives that gave

their time and information in making this a successful Health and Welfare Benefits Report.

Participating Organizations

A2Z Field Services

Affordable Language Services AIP Logistics, Inc.

AirWay Technologies, Inc. Alternate Solutions Health Network American Thermal Instruments, Inc. Anderson Manufacturing ARCOS LLC

ART Technologies ASAP Events Association of College Unions International Bailey & Company Benefits Group Banner Metals Group

Basco Manufacturing Bathroom Alternatives BBB Beech Acres Parenting Center Beiersdorf Inc.

Bethany House Services BriskHeat Corporation

Bryan Equipment Sales, Inc. Campbell County Fiscal Court Campbell County Public Library Capital Resin Corporation Car-Part.com Cast-Fab Technologies CB Manufacturing

CBT Company Cincinnati Association for the Blind & Visually Impaired Cincinnati Waldorf School Cindus Corporation Cinfed Credit Union

Clark Schaefer Hackett

Clermont Senior Services Clippard Instrument Lab., Inc. Consolidated Metal Products, Inc. Contractors Materials Co. COSI Cott Systems, Inc.

Dave Fox Remodeling, Inc. Dayton Superior Corporation Defense Research Associates, Inc. Diocesan Catholic Children's Home Downing Displays, Inc.

Dynamic Catholic

Eastway Supplies, Inc. Eco Engineering Inc.

Empower MediaMarketing Episcopal Retirement Services ePremium Insurance Evenflo F&M MAFCO, Inc.

Ferco Aerospace Finn Corporation Floturn, Inc. Force Control Industries Franklin Park Conservatory Frisch's Restaurants

FT Precision Inc. FTJ FundChoice Fusite General Data Company General Tool Company

Girl Scouts of Western Ohio Glenmary Home Missioners

GMi Companies, Inc. Gosh Enterprises Graphel Corporation Green Group Enterprises, LLC Hamilton Caster & Mfg. Co. Hamilton Sorter Harrop Industries, Inc.

HCDC Inc. Hightowers Petroleum Company Hilltop Basic Resources Inc. Hi-Tek Manufacturing, Inc. Hondros Family of Companies Hydro Systems

ILSCO Corporation

Integrated Protection Services, Inc. Invotec Engineering, Inc. Iofina Chemical ITE, LLC Johnson Investment Counsel Kadant Black Clawson

Kaleidoscope Keidel Supply KEMBA Kenton County Airport Board Kentucky Speedway

©2016 Employers Resource Association III Health and Welfare Benefits Survey

Key Resin Company Kimball Midwest KnowledgeWorks Foundation Kolar Design

Korrect Plumbing Heating & Air KOST USA Krauss-Maffei L3 Cincinnati Electronics L-3 Fuzing & Ordnance Systems Lake Shore Cryotronics, Inc. LEM Products Distribution LLC

LifeSpan, Inc. Linkage Solutions Luvata Ohio, Inc. Marsh Building Products McSwain Mfg. Corp.

Meridian Bioscience Inc.

Mesa Industries MGF Sourcing Miami Valley Gaming Mid-Ohio Energy Mid-State Bolt and Nut Co., Inc. Mid-States Packaging, Inc. Mikesell's Snack Food Company

Nease Company LLC Nexceris Nisbet Brower Nitto Denko Avecia Inc. Nolte Precise Manufacturing NSIXTY Digital ODW Logistics

Ohashi Technica

Ohio Indemnity Company Ohio River Valley Water Sanitation Commission Ohio Semitronics, Inc. Ohio Valley Supply Company

Ohio Water Development Authority OMEGA Processing Solutions Omni Technologies, Inc. PAC Worldwide Corp People Working Cooperatively Phillips Edison & Company Pilsen Imports Inc.

PIVOTEK PM Company PNG Telecommunications, Inc. dba Powernet

Prasco R.A Jones RACO Industries

Reis Nichols

Reisenfeld & Associates Reliance Medical Richards Industries Sanitation District No. 1

Saturday Knight Ltd Scenario Learning School Employees Retirement System of Ohio School House Outfitters, LLC Schueler Group Security National Automotive Acceptance

Shaklee Corporation Shared Services, LLC Skidmore Sales and Distributing St. Joseph Home Tape Products Company

Tech International

TechSolve Inc. Thaman Rubber Co The American Society for Nondestructive Testing Inc. The Armor Group, Inc. The Brewer Company The Buckeye Stamping Co. dba Buckeye

Shapeform The Citizens Bank of Logan The Motz Corporation The Shepherd Color Company The Siekman Company The Verdin Company The Western States Machine Company

The Wm Powell Company

TP Mechanical Contractors Transitions, Inc. Triad Technology TSC Apparel, LLC UASI

UC Research Institute Unifund United Air Specialists United Way of Greater Cincinnati Universal Trailer Corp Uptown Rental Properties Valley Interior Systems

VALLEY JANITOR SUPPLY VEGA Americas, Inc. Venco Venturo Industries LLC Vora

VRI Xtek Inc. YAC Robot Systems, Inc.

©2016 Employers Resource Association IV Health and Welfare Benefits Survey

Types of Health Plans Offered PPO and high-deductible health insurance plans continue to account for over 80% of all health plans

offered by employers. With the decreasing popularity of PPO plans, high-deductible plans has

become the most popular choice for health insurance plans.

Deductibles

Traditional Medical Plans (PPO, POS, and HMO Medical Plans)

1%

49%

7%

1%

38%

5%1%

49%

2% 1%

42%

5%2%

43%

5%1%

44%

5%2%

38%

7%

1%

46%

4%

0%

10%

20%

30%

40%

50%

60%

HMO PPO POS Indemity HDHP HRA

2013 2014 2015 2016

$1,098

$2,097 $2,299

$2,522

$1,751

$2,330 $2,710

$3,709

$1,618

$3,197 $3,268 $3,408

$1,879

$3,849 $3,980$4,215

$0

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

Employee EE + Spouse EE + Child(ren) Family

2013 2014 2015 2016

©2016 Employers Resource Association V Health and Welfare Benefits Survey

High Deductible Health Plans

Healthcare Cost Increases As in 2015, more than 1 in 3 companies (39%) reported an increase in last year premiums of less

than 3%. A slightly larger portion of the participating organizations reported having no increase in

premiums compared to last year (27% vs 20%) but from an overall standpoint, the distribution of

the reported premium increases remained consistent with the previous year.

$2,624

$4,556 $4,572

$5,439

$2,638

$5,138 $5,285 $5,287

$2,963

$5,955 $6,020 $5,950

$3,067

$5,926 $6,065 $6,028

$0

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

$7,000

Employee EE + Spouse EE + Child(ren) Family

2013 2014 2015 2016

16% 16%

25%

18%

12%

25%

6%

22%

16%

20%22%

19% 18%

4%

20%

15%14%

17%

10%

5%

12%

27%

11%

16%18%

8%10% 9%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

40.0%

45.0%

50.0%

No Increase 1-3% Increase 4-6% Increase 7-9% Increase 10-12% Increase Greater Than 12%Increase

N/A/Decrease

2013 2014 2015 2016

©2016 Employers Resource Association VI Health and Welfare Benefits Survey

Additional Data Available

Employers Resource Association members can obtain, at a nominal cost, a report from this survey

tailored exclusively for their use.

You can select those participating organizations sharing similar characteristics (e.g. industry,

location, size, or union status) or from labor market competitors.

A minimum of ten organizations is necessary to protect confidentiality.

For more information about this valuable service or other surveys and services provided to

Association members, please contact the Survey Department at (513) 679-4120 or email

[email protected].

mailto:[email protected]

Section 1

Health Benefit Information

Employee Size Breakdown

Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses

EE $496 110 $520 29 $460 31 $524 39 $429 7 $457 4

EE+ Spouse $1,018 107 $1,027 29 $967 30 $1,076 37 $904 7 $992 4

EE+ Child(ren) $894 102 $913 25 $797 29 $985 37 $754 7 $869 4

Family $1,448 111 $1,421 29 $1,405 31 $1,545 40 $1,213 7 $1,423 4


EE $136 88 $119 22 $120 19 $156 35 $132 8 $132 4

EE+ Spouse $357 87 $326 23 $346 18 $388 34 $337 8 $374 4

EE+ Child(ren) $297 85 $287 22 $261 17 $326 34 $269 8 $311 4

Family $511 91 $470 23 $540 19 $531 37 $478 8 $479 4


EE 31% 38 35% 9 28% 14 31% 13 * 2 * 0

EE+ Spouse 34% 39 33% 9 32% 15 35% 13 * 2 * 0

EE+ Child(ren) 34% 37 34% 7 32% 15 35% 13 * 2 * 0

Family 35% 39 33% 9 32% 15 37% 13 * 2 * 0

Employee Monthly Cost - Flat Amount

Total 1-50 Employees 51-100 Employees 101-499 Employees 500-999 Employees 1000+ Employees

Employee Monthly Cost - Percentage


2016 Mini Health & Welfare Benefits SurveyPPO Plans

Average Monthly Premiums


1


Office Visit

In-Network $28 104 $31 29 $26 28 $27 35 $29 8 $31 4

Out-of-Network 41% 95 41% 24 42% 25 41% 38 43% 7 * 1

Specialist

In-Network $49 103 $50 28 $49 27 $48 36 $47 8 $44 4

Out-of-Network 41% 94 41% 24 42% 24 41% 38 43% 7 * 1

Urgent Care

In-Network $74 107 $78 29 $76 31 $71 38 $64 5 $59 4

Out-of-Network 41% 86 41% 23 39% 20 41% 35 43% 7 * 1

Outpatient Hospital

In-Network 23% 73 21% 17 20% 20 25% 30 33% 5 * 1

Out-of-Network 41% 88 40% 22 41% 24 41% 36 40% 5 * 1

Inpatient Hospital

In-Network 24% 77 23% 21 20% 20 25% 30 33% 5 * 1

Out-of-Network 41% 90 41% 23 41% 24 41% 36 42% 6 * 1

Emergency Room

In-Network $245 99 $256 26 $270 28 $219 36 $250 5 $238 4

Out-of-Network $256 69 $272 18 $263 23 $236 21 $263 4 $233 3


EE

In-Network $1,887 115 $2,323 31 $1,661 31 $1,578 41 $1,688 8 $3,825 4

Out-of-Network $4,378 103 $5,692 26 $3,981 29 $3,254 37 $4,300 7 $9,238 4

EE+Spouse

In-Network $3,889 94 $4,509 29 $3,419 21 $2,941 32 $3,688 8 $9,863 4

Out-of-Network $9,126 84 $11,646 24 $8,737 19 $6,107 30 $8,600 7 $19,413 4

EE+Child(ren)

In-Network $4,010 91 $4,722 27 $3,560 20 $3,041 32 $3,688 8 $9,863 4

Out-of-Network $9,484 82 $12,435 23 $9,122 18 $6,320 30 $8,600 7 $19,413 4

Family

In-Network $4,268 111 $5,258 31 $3,583 29 $3,528 39 $3,725 8 $9,863 4

Out-of-Network $10,227 99 $12,038 26 $9,326 27 $8,834 35 $8,686 7 $19,413 4


Average Co-Pay Amounts


Average Deductibles


2


Generic $11 106 $11 27 $11 28 $11 39 $10 8 $15 4

Brand $37 104 $41 29 $34 28 $36 36 $37 7 $40 4

Non-Formulary $70 100 $78 28 $69 28 $66 33 $58 7 $63 4

Mail Order (No Tier) $25 11 $41 3 * 2 $21 5 * 1 * 0

Mail Order - Tier 1 $22 89 $22 20 $22 26 $20 34 $22 8 * 1

Mail Order - Tier 2 $85 90 $83 23 $83 26 $86 33 $84 7 * 1

Mail Order - Tier 3 $162 89 $155 23 $169 26 $167 32 $129 7 * 1


Generic 29% 7 * 1 31% 4 * 2 * 0 * 0

Brand 28% 13 * 2 29% 5 24% 5 * 1 * 0

Non-Formulary 37% 15 * 1 35% 7 38% 6 * 1 * 0

Mail Order (No Tier) 24% 4 * 0 * 2 * 2 * 0 * 0

Mail Order - Tier 1 19% 4 * 0 * 2 * 2 * 0 * 0

Mail Order - Tier 2 22% 7 * 0 22% 3 23% 3 * 1 * 0

Mail Order - Tier 3 28% 8 * 1 22% 3 35% 3 * 1 * 0


Prescription Cost - Flat Amount


Prescription Cost - Percentage


3


EE $553 16 $518 4 $467 3 $531 4 $651 5 * 0

EE+ Spouse $1,191 16 $1,156 4 $1,048 3 $1,086 4 $1,388 5 * 0

EE+ Child(ren) $1,018 16 $813 4 $884 3 $1,189 4 $1,125 5 * 0

Family $1,692 15 $1,632 3 $1,495 3 $1,573 4 $1,941 5 * 0


EE $155 13 * 1 * 2 $173 5 $201 5 * 0

EE+ Spouse $406 13 * 2 * 2 $439 4 $540 5 * 0

EE+ Child(ren) $364 14 * 2 * 2 $448 5 $457 5 * 0

Family $630 14 * 2 * 2 $811 5 $718 5 * 0


EE 25% 7 30% 5 * 1 * 1 * 0 * 0

EE+ Spouse 29% 7 35% 5 * 1 * 1 * 0 * 0

EE+ Child(ren) 29% 7 35% 5 * 1 * 1 * 0 * 0

Family 29% 8 35% 5 * 1 * 1 * 1 * 0





2016 Mini Health & Welfare Benefits SurveyPOS Plans



4


Office Visit

In-Network $28 22 $31 8 $23 3 $28 6 $28 5 * 0

Out-of-Network 41% 19 47% 7 * 2 36% 5 39% 5 * 0

Specialist

In-Network $50 22 $56 8 $47 3 $44 6 $49 5 * 0

Out-of-Network 41% 19 47% 7 * 2 36% 5 39% 5 * 0

Urgent Care

In-Network $86 22 $109 8 $83 3 $68 6 $70 5 * 0

Out-of-Network 40% 18 47% 6 * 2 36% 5 39% 5 * 0

Outpatient Hospital

In-Network 22% 16 24% 7 * 1 23% 4 19% 4 * 0

Out-of-Network 41% 19 47% 7 * 2 36% 5 39% 5 * 0

Inpatient Hospital

In-Network 22% 16 24% 7 * 1 23% 4 19% 4 * 0

Out-of-Network 41% 19 47% 7 * 2 36% 5 39% 5 * 0

Emergency Room

In-Network $263 21 $319 8 $267 3 $213 6 $225 4 * 0

Out-of-Network $280 15 $329 7 * 2 $233 3 $233 3 * 0


EE

In-Network $2,009 22 $1,594 8 * 2 $2,421 7 $2,000 5 * 0

Out-of-Network $6,083 20 $6,643 7 * 2 $6,442 6 $4,600 5 * 0

EE+Spouse

In-Network $3,720 20 $3,250 8 * 2 $3,980 5 $3,900 5 * 0

Out-of-Network $11,350 18 $13,286 7 * 2 $9,825 4 $9,000 5 * 0

EE+Child(ren)

In-Network $3,920 20 $3,250 8 * 2 $3,980 5 $4,700 5 * 0

Out-of-Network $11,794 18 $13,286 7 * 2 $9,825 4 $10,600 5 * 0

Family

In-Network $4,336 22 $3,250 8 * 2 $4,843 7 $5,300 5 * 0

Out-of-Network $13,015 20 $13,286 7 * 2 $13,550 6 $11,800 5 * 0




Average Deductibles


5


Generic $10 19 $10 5 $9 3 $11 6 $10 5 * 0

Brand $35 16 $38 3 $37 3 $36 6 $29 4 * 0

Non-Formulary $55 13 * 1 $53 3 $61 5 $50 4 * 0

Mail Order (No Tier) * 2 * 1 * 0 * 0 * 1 * 0

Mail Order - Tier 1 $24 22 $26 7 $21 3 $24 7 $23 5 * 0

Mail Order - Tier 2 $80 21 $85 7 $85 3 $78 7 $69 4 * 0

Mail Order - Tier 3 $139 20 $171 7 $125 3 $123 6 $119 4 * 0


Generic * 0 * 0 * 0 * 0 * 0 * 0

Brand * 1 * 0 * 0 * 0 * 1 * 0

Non-Formulary 30% 3 * 1 * 0 * 1 * 1 * 0


Mail Order - Tier 1 * 1 * 1 * 0 * 0 * 0 * 0

Mail Order - Tier 2 * 2 * 1 * 0 * 0 * 1 * 0

Mail Order - Tier 3 * 2 * 0 * 0 * 1 * 1 * 0






6


EE $468 7 * 0 * 1 $495 5 * 1 * 0

EE+ Spouse $1,009 7 * 0 * 1 $1,033 5 * 1 * 0

EE+ Child(ren) $915 7 * 0 * 1 $932 5 * 1 * 0

Family $1,467 7 * 0 * 1 $1,471 5 * 1 * 0


EE $105 6 * 0 * 0 $72 5 * 1 * 0

EE+ Spouse $224 6 * 0 * 0 $150 5 * 1 * 0

EE+ Child(ren) $207 6 * 0 * 0 $138 5 * 1 * 0

Family $325 6 * 0 * 0 $221 5 * 1 * 0


EE * 0 * 0 * 0 * 0 * 0 * 0

EE+ Spouse * 0 * 0 * 0 * 0 * 0 * 0

EE+ Child(ren) * 0 * 0 * 0 * 0 * 0 * 0

Family * 0 * 0 * 0 * 0 * 0 * 0





2016 Mini Health & Welfare Benefits SurveyHMO Plans



7


Office Visit

In-Network $29 5 * 0 * 0 $29 5 * 0 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0

Specialist

In-Network $51 5 * 0 * 0 $51 5 * 0 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0

Urgent Care

In-Network $70 5 * 0 * 0 $70 5 * 0 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0

Outpatient Hospital

In-Network 23% 6 * 0 * 1 25% 4 * 1 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0

Inpatient Hospital

In-Network 23% 6 * 0 * 1 25% 4 * 1 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0

Emergency Room

In-Network $270 5 * 0 * 0 $270 5 * 0 * 0

Out-of-Network $270 5 * 0 * 0 $270 5 * 0 * 0


EE

In-Network $1,258 6 * 0 * 1 $1,013 4 * 1 * 0

Out-of-Network $3,683 6 * 0 * 1 $1,650 4 * 1 * 0

EE+Spouse

In-Network * 2 * 0 * 1 * 0 * 1 * 0

Out-of-Network * 2 * 0 * 1 * 0 * 1 * 0

EE+Child(ren)

In-Network * 2 * 0 * 1 * 0 * 1 * 0

Out-of-Network * 1 * 0 * 0 * 0 * 1 * 0

Family

In-Network $2,808 6 * 0 * 1 $2,463 4 * 1 * 0

Out-of-Network $4,040 5 * 0 * 0 $4,800 4 * 1 * 0




Average Deductibles


8


Generic $10 6 * 0 * 0 $9 5 * 1 * 0

Brand $28 5 * 0 * 0 $28 5 * 0 * 0

Non-Formulary $48 5 * 0 * 0 $48 5 * 0 * 0


Mail Order - Tier 1 $23 5 * 0 * 0 $23 5 * 0 * 0

Mail Order - Tier 2 $70 5 * 0 * 0 $70 5 * 0 * 0

Mail Order - Tier 3 $118 5 * 0 * 0 $118 5 * 0 * 0


Generic * 1 * 0 * 1 * 0 * 0 * 0

Brand * 2 * 0 * 1 * 0 * 1 * 0

Non-Formulary * 2 * 0 * 1 * 0 * 1 * 0


Mail Order - Tier 1 * 1 * 0 * 1 * 0 * 0 * 0

Mail Order - Tier 2 * 1 * 0 * 1 * 0 * 0 * 0

Mail Order - Tier 3 * 1 * 0 * 1 * 0 * 0 * 0






9


EE $416 127 $453 25 $342 33 $439 60 $434 5 $440 4

EE+ Spouse $896 115 $962 23 $741 29 $933 55 $952 5 $1,117 3

EE+ Child(ren) $793 116 $801 24 $651 29 $852 55 $797 5 $1,009 3

Family $1,240 125 $1,322 24 $1,023 32 $1,312 60 $1,328 5 $1,310 4


EE $101 108 $147 16 $86 29 $93 55 $68 4 $167 4

EE+ Spouse $259 102 $338 16 $240 26 $241 53 $218 4 $400 3

EE+ Child(ren) $223 102 $286 16 $202 27 $210 52 $183 4 $362 3

Family $372 109 $502 16 $343 29 $344 56 $300 4 $518 4


EE 24% 38 27% 5 25% 15 24% 16 * 2 * 0

EE+ Spouse 27% 33 * 2 26% 15 27% 14 * 2 * 0

EE+ Child(ren) 27% 33 * 2 27% 15 27% 14 * 2 * 0

Family 26% 35 17% 3 27% 14 27% 16 * 2 * 0





2016 Mini Health & Welfare Benefits SurveyHigh Deductible Health Plans



10


Office Visit

In-Network 16% 56 14% 7 14% 10 16% 34 19% 4 * 1

Out-of-Network 36% 107 43% 16 34% 26 35% 56 38% 5 40% 4

Specialist

In-Network 16% 55 14% 7 14% 10 16% 33 19% 4 * 1

Out-of-Network 36% 105 43% 16 32% 25 35% 55 38% 5 40% 4

Urgent Care

In-Network 16% 55 14% 7 13% 9 16% 34 19% 4 * 1

Out-of-Network 36% 105 42% 16 33% 24 35% 56 38% 5 40% 4

Outpatient Hospital

In-Network 21% 62 36% 10 22% 12 16% 34 19% 4 * 2

Out-of-Network 36% 102 45% 15 31% 23 34% 55 38% 5 40% 4

Inpatient Hospital

In-Network 22% 63 36% 10 28% 13 16% 34 19% 4 * 2

Out-of-Network 37% 104 47% 16 33% 24 35% 55 38% 5 40% 4

Emergency Room

In-Network 16% 57 14% 7 15% 11 16% 34 19% 4 * 1

Out-of-Network 32% 70 40% 10 24% 14 32% 39 34% 4 33% 3


EE

In-Network $3,147 139 $3,430 27 $3,016 39 $3,017 64 $3,200 5 $4,525 4

Out-of-Network $6,735 127 $7,100 22 $5,991 34 $7,071 62 $5,400 5 $7,500 4

EE+Spouse

In-Network $6,136 115 $6,608 25 $6,035 30 $5,814 52 $6,170 5 $8,733 3

Out-of-Network $12,976 103 $13,350 20 $12,036 25 $13,316 50 $10,570 5 $16,667 3

EE+Child(ren)

In-Network $6,291 115 $6,948 25 $6,319 30 $5,830 52 $6,170 5 $8,733 3

Out-of-Network $13,177 102 $14,175 20 $12,163 24 $13,316 50 $10,570 5 $16,667 3

Family

In-Network $6,183 134 $6,748 25 $5,949 37 $5,896 63 $6,400 5 $9,050 4

Out-of-Network $13,175 121 $13,545 20 $11,466 31 $13,997 61 $10,800 5 $15,000 4

Average Deductibles





11


Generic $12 62 $11 9 $15 19 $11 29 $10 3 * 2

Brand $36 60 $37 10 $42 16 $32 29 $32 3 * 2

Non-Formulary $62 57 $67 10 $71 14 $57 28 $53 3 * 2

Mail Order (No Tier) $73 6 * 0 $103 4 * 2 * 0 * 0

Mail Order - Tier 1 $21 59 $24 8 $24 19 $17 27 $25 3 * 2

Mail Order - Tier 2 $77 58 $76 9 $84 17 $71 27 $79 3 * 2

Mail Order - Tier 3 $136 57 $137 9 $147 16 $128 27 $133 3 * 2


Generic 31% 36 22% 5 44% 8 30% 21 * 2 * 0

Brand 32% 38 27% 5 41% 9 31% 22 * 2 * 0

Non-Formulary 34% 39 33% 4 39% 12 33% 21 * 2 * 0

Mail Order (No Tier) 28% 28 20% 4 30% 6 31% 16 * 2 * 0

Mail Order - Tier 1 34% 28 23% 3 47% 6 33% 17 * 2 * 0

Mail Order - Tier 2 33% 29 23% 3 43% 7 32% 17 * 2 * 0

Mail Order - Tier 3 35% 31 23% 3 39% 9 36% 17 * 2 * 0






12


EE $543 11 * 1 * 0 $566 8 * 2 * 0

EE+ Spouse $1,097 11 * 1 * 0 $1,133 8 * 2 * 0

EE+ Child(ren) $1,044 11 * 1 * 0 $1,082 8 * 2 * 0

Family $1,585 11 * 1 * 0 $1,650 8 * 2 * 0


EE $122 11 * 1 * 1 $122 8 * 1 * 0

EE+ Spouse $263 11 * 1 * 1 $282 8 * 1 * 0

EE+ Child(ren) $262 10 * 1 * 1 $273 7 * 1 * 0

Family $414 11 * 1 * 1 $422 8 * 1 * 0


EE 15% 3 * 0 * 0 * 2 * 1 * 0

EE+ Spouse 20% 3 * 0 * 0 * 2 * 1 * 0

EE+ Child(ren) 22% 3 * 0 * 0 * 2 * 1 * 0

Family 21% 3 * 0 * 0 * 2 * 1 * 0

2016 Mini Health & Welfare Benefits SurveyHealth Reimbursement Account Plans







13


Office Visit

In-Network 13% 6 * 0 * 0 15% 4 * 2 * 0

Out-of-Network 41% 9 * 0 * 0 44% 7 * 2 * 0

Specialist

In-Network 13% 6 * 0 * 0 15% 4 * 2 * 0

Out-of-Network 41% 9 * 0 * 0 44% 7 * 2 * 0

Urgent Care

In-Network 13% 6 * 0 * 0 15% 4 * 2 * 0

Out-of-Network 41% 9 * 0 * 0 44% 7 * 2 * 0

Outpatient Hospital

In-Network 15% 9 * 0 * 0 16% 7 * 2 * 0

Out-of-Network 41% 9 * 0 * 0 44% 7 * 2 * 0

Inpatient Hospital

In-Network 15% 9 * 0 * 0 16% 7 * 2 * 0

Out-of-Network 41% 9 * 0 * 0 44% 7 * 2 * 0

Emergency Room

In-Network 14% 7 * 0 * 0 15% 5 * 2 * 0

Out-of-Network 31% 8 * 0 * 0 32% 6 * 2 * 0


EE

In-Network $2,150 12 * 1 * 1 $2,263 8 * 2 * 0

Out-of-Network $3,686 11 * 1 * 1 $3,694 8 * 1 * 0

EE+Spouse

In-Network $3,917 12 * 1 * 1 $4,138 8 * 2 * 0

Out-of-Network $6,823 11 * 1 * 1 $6,756 8 * 1 * 0

EE+Child(ren)

In-Network $3,900 12 * 1 * 1 $4,138 8 * 2 * 0

Out-of-Network $6,823 11 * 1 * 1 $6,756 8 * 1 * 0

Family

In-Network $4,300 12 * 1 * 1 $4,525 8 * 2 * 0

Out-of-Network $7,368 11 * 1 * 1 $7,381 8 * 1 * 0




Average Deductibles


14


Generic $11 8 * 0 * 1 $11 6 * 1 * 0

Brand $30 8 * 0 * 1 $33 6 * 1 * 0

Non-Formulary $51 8 * 0 * 1 $58 6 * 1 * 0


Mail Order - Tier 1 $17 6 * 0 * 1 $17 4 * 1 * 0

Mail Order - Tier 2 $47 6 * 0 * 1 $50 4 * 1 * 0

Mail Order - Tier 3 $81 6 * 0 * 1 $88 4 * 1 * 0


Generic 18% 5 * 0 * 0 17% 3 * 2 * 0

Brand 24% 5 * 0 * 0 27% 3 * 2 * 0

Non-Formulary 28% 5 * 0 * 0 33% 3 * 2 * 0

Mail Order (No Tier) 20% 3 * 0 * 0 * 1 * 2 * 0

Mail Order - Tier 1 18% 4 * 0 * 0 * 2 * 2 * 0

Mail Order - Tier 2 18% 4 * 0 * 0 * 2 * 2 * 0

Mail Order - Tier 3 18% 4 * 0 * 0 * 2 * 2 * 0






15

Section 2

Health Benefit Information

Industry Breakdown


Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses Amount # of Responses

EE $496 110 $384 5 * 2 $547 43 $493 16 $409 5 $498 17 $440 22

EE+ Spouse $1,018 107 $905 5 * 2 $1,101 39 $985 17 $806 5 $1,082 17 $916 22

EE+ Child(ren) $894 102 $663 5 * 2 $1,051 36 $808 16 $764 5 $877 17 $777 21

Family $1,448 111 $1,221 5 * 2 $1,569 43 $1,344 17 $1,215 5 $1,505 17 $1,340 22


EE $136 88 $160 5 * 1 $132 36 $122 13 * 1 $212 9 $115 23

EE+ Spouse $357 87 $478 5 * 2 $353 32 $322 13 * 2 $464 9 $309 24

EE+ Child(ren) $297 85 $339 5 * 2 $307 31 $265 13 * 2 $396 9 $267 23

Family $511 91 $649 5 * 2 $495 36 $478 13 * 2 $650 9 $465 24


EE 31% 38 * 1 * 0 29% 11 26% 8 44% 3 31% 8 35% 7

EE+ Spouse 34% 39 * 1 * 0 31% 11 30% 8 45% 3 34% 8 36% 8

EE+ Child(ren) 34% 37 * 1 * 0 31% 10 31% 7 44% 3 34% 8 36% 8

Family 35% 39 * 1 * 0 31% 11 32% 8 45% 3 34% 8 36% 8


Service/Financial

Total

Wholesale/Distribution/Retail Other




Wholesale/Distribution/Retail OtherTotal Construction Health Manufacturing Non-Profit

Construction Health Manufacturing Non-Profit Service/Financial

Total Construction Health Manufacturing Non-Profit Service/Financial

16


Office Visit

In-Network $28 104 $32 5 * 2 $27 38 $32 15 $28 6 $28 17 $28 21

Out-of-Network 41% 95 36% 5 * 2 42% 36 44% 13 40% 5 40% 15 42% 19

Specialist

In-Network $49 103 $48 5 * 2 $47 38 $54 15 $47 6 $49 17 $48 20

Out-of-Network 41% 94 36% 5 * 2 42% 36 44% 13 40% 5 40% 15 42% 18

Urgent Care

In-Network $74 107 $84 4 * 2 $64 38 $82 17 $68 6 $68 17 $90 23

Out-of-Network 41% 86 36% 5 * 2 40% 33 44% 11 40% 4 41% 14 41% 17

Outpatient Hospital

In-Network 23% 73 * 2 * 2 21% 31 34% 8 20% 4 20% 11 25% 15

Out-of-Network 41% 88 33% 4 * 2 41% 34 41% 12 40% 5 41% 13 42% 18

Inpatient Hospital

In-Network 24% 77 * 2 * 2 23% 32 32% 9 20% 5 20% 11 25% 16

Out-of-Network 41% 90 36% 5 * 2 41% 34 43% 12 40% 5 41% 13 42% 19

Emergency Room

In-Network $245 99 $267 3 * 2 $251 33 $261 16 $233 6 $235 17 $233 22

Out-of-Network $253 70 $267 3 * 0 $259 22 $263 12 $238 4 $250 10 $242 19


EE

In-Network $1,887 115 $3,120 5 * 2 $1,698 43 $1,771 17 $1,625 6 $1,844 17 $2,168 25

Out-of-Network $4,378 103 $7,800 5 * 2 $4,097 37 $3,000 14 $4,300 5 $4,079 17 $5,280 23

EE+Spouse

In-Network $3,889 94 $6,740 5 * 2 $3,568 34 $3,462 13 $2,700 5 $3,247 15 $4,870 20

Out-of-Network $9,126 84 $15,600 5 * 2 $8,882 30 $5,300 10 $7,750 4 $7,380 15 $11,967 18

EE+Child(ren)

In-Network $4,010 91 $6,740 5 * 2 $3,591 32 $3,833 12 $3,000 5 $3,463 15 $4,870 20

Out-of-Network $9,484 82 $15,600 5 * 2 $9,174 29 $6,111 9 $8,500 4 $7,813 15 $11,967 18

Family

In-Network $4,268 111 $6,740 5 * 2 $4,115 39 $4,688 17 $3,542 6 $3,703 17 $4,386 25

Out-of-Network $10,227 99 $15,600 5 * 2 $9,556 33 $11,286 14 $12,200 5 $8,365 17 $10,691 23





Service/Financial

Average Deductibles


Total Construction Health Manufacturing Non-Profit

17


Generic $11 106 $13 4 * 2 $11 38 $12 15 $10 5 $11 16 $11 26

Brand $37 104 $41 4 * 2 $37 38 $45 13 $28 5 $37 16 $36 26

Non-Formulary $70 100 $66 4 * 2 $67 38 $78 9 $63 5 $79 16 $67 26

Mail Order (No Tier) $25 11 * 0 * 0 $21 4 * 2 * 0 * 2 $18 3

Mail Order - Tier 1 $22 89 * 2 * 2 $20 33 $20 15 $18 4 $23 13 $26 20

Mail Order - Tier 2 $85 90 * 2 * 2 $79 34 $86 15 $82 4 $97 13 $87 20

Mail Order - Tier 3 $162 89 * 2 * 2 $144 33 $172 15 $159 4 $187 13 $169 20


Generic 29% 7 * 0 * 0 25% 5 * 0 * 0 * 2 * 0

Brand 28% 13 * 0 * 0 26% 9 * 2 * 0 * 2 * 0

Non-Formulary 37% 15 * 0 * 0 32% 9 * 2 * 0 * 2 * 2

Mail Order (No Tier) 24% 4 * 0 * 0 * 2 * 0 * 0 * 2 * 0

Mail Order - Tier 1 19% 4 * 0 * 0 19% 4 * 0 * 0 * 0 * 0

Mail Order - Tier 2 22% 7 * 0 * 0 22% 7 * 0 * 0 * 0 * 0

Mail Order - Tier 3 28% 8 * 0 * 0 29% 7 * 0 * 0 * 1 * 0



Manufacturing Non-Profit Service/Financial





Total Construction Health

18



EE $553 16 * 1 * 0 $629 5 * 2 $602 3 * 2 * 2

EE+ Spouse $1,191 16 * 1 * 0 $1,362 5 * 2 $1,271 3 * 2 * 2

EE+ Child(ren) $1,018 16 * 1 * 0 $1,185 5 * 2 $970 3 * 2 * 2

Family $1,692 15 * 1 * 0 $1,866 5 * 2 $1,785 3 * 1 * 2


EE $155 13 * 1 * 0 $219 4 $124 3 $167 4 * 1 * 0

EE+ Spouse $406 13 * 1 * 0 $510 4 $429 3 $510 3 * 1 * 0

EE+ Child(ren) $364 14 * 1 * 0 $464 4 $369 3 $463 4 * 1 * 0

Family $630 14 * 1 * 0 $711 4 $691 3 $815 4 * 1 * 0


EE 25% 7 * 0 * 0 * 1 27% 5 * 0 * 1 * 0

EE+ Spouse 29% 7 * 0 * 0 * 1 32% 5 * 0 * 1 * 0

EE+ Child(ren) 29% 7 * 0 * 0 * 1 32% 5 * 0 * 1 * 0

Family 29% 8 * 0 * 0 * 2 32% 5 * 0 * 1 * 0


Service/Financial

Total








19


Office Visit

In-Network $28 22 * 1 * 0 $27 5 $26 7 $30 4 * 2 * 2

Out-of-Network 41% 19 * 1 * 0 37% 5 43% 7 43% 3 * 2 * 0

Specialist

In-Network $50 22 * 1 * 0 $43 5 $46 7 $54 4 * 2 * 2

Out-of-Network 41% 19 * 1 * 0 37% 5 43% 7 43% 3 * 2 * 0

Urgent Care

In-Network $86 22 * 1 * 0 $60 5 $109 7 $80 4 * 2 * 2

Out-of-Network 40% 18 * 1 * 0 37% 5 42% 6 43% 3 * 2 * 0

Outpatient Hospital

In-Network 22% 16 * 0 * 0 21% 4 24% 5 20% 4 * 2 * 1

Out-of-Network 41% 19 * 1 * 0 37% 5 43% 7 43% 3 * 2 * 0

Inpatient Hospital

In-Network 22% 16 * 0 * 0 21% 4 24% 5 20% 4 * 2 * 1

Out-of-Network 41% 19 * 1 * 0 37% 5 43% 7 43% 3 * 2 * 0

Emergency Room

In-Network $263 21 * 1 * 0 $240 5 $246 7 $233 3 * 2 * 2

Out-of-Network $280 15 * 1 * 0 * 2 $267 6 $233 3 * 2 * 0


EE

In-Network $2,009 22 * 1 * 0 $2,350 5 $1,636 7 $2,250 4 * 2 * 2

Out-of-Network $6,083 20 * 1 * 0 $5,050 5 $7,129 7 $5,250 4 * 2 * 0

EE+Spouse

In-Network $3,720 20 * 1 * 0 $4,600 5 $2,233 6 $4,667 3 * 2 * 2

Out-of-Network $11,350 18 * 1 * 0 $9,900 5 $11,633 6 $11,333 3 * 2 * 0

EE+Child(ren)

In-Network $3,920 20 * 1 * 0 $4,600 5 $2,233 6 $6,000 3 * 2 * 2

Out-of-Network $11,794 18 * 1 * 0 $9,900 5 $11,633 6 $14,000 3 * 2 * 0

Family

In-Network $4,336 22 * 1 * 0 $5,200 5 $3,343 7 $5,500 4 * 2 * 2

Out-of-Network $13,015 20 * 1 * 0 $11,100 5 $14,257 7 $13,500 4 * 2 * 0





Service/Financial

Average Deductibles



20


Generic $10 19 * 1 * 0 $9 6 $10 3 $11 4 * 2 * 2

Brand $35 16 * 1 * 0 $34 5 * 2 $31 4 * 1 * 2

Non-Formulary $55 13 * 1 * 0 $54 5 * 2 $50 3 * 1 * 1

Mail Order (No Tier) * 2 * 0 * 0 * 1 * 1 * 0 * 0 * 0

Mail Order - Tier 1 $24 22 * 1 * 0 $20 6 $25 7 $28 4 * 2 * 1

Mail Order - Tier 2 $80 21 * 1 * 0 $73 5 $78 7 $78 4 * 2 * 1

Mail Order - Tier 3 $139 20 * 1 * 0 $114 5 $154 7 $125 3 * 2 * 1


Generic * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Brand * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Non-Formulary 30% 3 * 0 * 0 * 1 * 1 * 0 * 1 * 0


Mail Order - Tier 1 * 1 * 0 * 0 * 0 * 1 * 0 * 0 * 0

Mail Order - Tier 2 * 2 * 0 * 0 * 1 * 1 * 0 * 0 * 0

Mail Order - Tier 3 * 2 * 0 * 0 * 1 * 0 * 1 * 0 * 0









21



EE $468 7 * 0 * 0 $535 6 * 0 * 0 * 1 * 0

EE+ Spouse $1,009 7 * 0 * 0 $1,111 6 * 0 * 0 * 1 * 0

EE+ Child(ren) $915 7 * 0 * 0 $1,016 6 * 0 * 0 * 1 * 0

Family $1,467 7 * 0 * 0 $1,594 6 * 0 * 0 * 1 * 0


EE $105 6 * 0 * 0 $105 6 * 0 * 0 * 0 * 0

EE+ Spouse $224 6 * 0 * 0 $224 6 * 0 * 0 * 0 * 0

EE+ Child(ren) $207 6 * 0 * 0 $207 6 * 0 * 0 * 0 * 0

Family $325 6 * 0 * 0 $325 6 * 0 * 0 * 0 * 0


EE * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

EE+ Spouse * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

EE+ Child(ren) * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0

Family * 0 * 0 * 0 * 0 * 0 * 0 * 0 * 0


Service/Financial

Total








22


Office Visit

In-Network $29 5 * 0 * 0 $29 5 * 0 * 0 * 0 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0 * 0 * 0

Specialist

In-Network $51 5 * 0 * 0 $51 5 * 0 * 0 * 0 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0 * 0 * 0

Urgent Care

In-Network $70 5 * 0 * 0 $70 5 * 0 * 0 * 0 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0 * 0 * 0

Outpatient Hospital

In-Network 23% 6 * 0 * 0 23% 5 * 0 * 0 * 1 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0 * 0 * 0

Inpatient Hospital

In-Network 23% 6 * 0 * 0 23% 5 * 0 * 0 * 1 * 0

Out-of-Network 45% 4 * 0 * 0 45% 4 * 0 * 0 * 0 * 0

Emergency Room

In-Network $270 5 * 0 * 0 $270 5 * 0 * 0 * 0 * 0

Out-of-Network $270 5 * 0 * 0 $270 5 * 0 * 0 * 0 * 0


EE

In-Network $1,258 6 * 0 * 0 $910 5 * 0 * 0 * 1 * 0

Out-of-Network $3,683 6 * 0 * 0 $1,420 5 * 0 * 0 * 1 * 0

EE+Spouse

In-Network * 2 * 0 * 0 * 1 * 0 * 0 * 1 * 0

Out-of-Network * 2 * 0 * 0 * 1 * 0 * 0 * 1 * 0

EE+Child(ren)

In-Network * 2 * 0 * 0 * 1 * 0 * 0 * 1 * 0

Out-of-Network * 1 * 0 * 0 * 1 * 0 * 0 * 0 * 0

Family

In-Network $2,808 6 * 0 * 0 $2,170 5 * 0 * 0 * 1 * 0

Out-of-Network $4,040 5 * 0 * 0 $4,040 5 * 0 * 0 * 0 * 0





Service/Financial

Average Deductibles



23


Generic $10 6 * 0 * 0 $10 6 * 0 * 0 * 0 * 0

Brand $28 5 * 0 * 0 $28 5 * 0 * 0 * 0 * 0

Non-Formulary $48 5 * 0 * 0 $48 5 * 0 * 0 * 0 * 0


Mail Order - Tier 1 $23 5 * 0 * 0 $23 5 * 0 * 0 * 0 * 0

Mail Order - Tier 2 $70 5 * 0 * 0 $70 5 * 0 * 0 * 0 * 0

Mail Order - Tier 3 $118 5 * 0 * 0 $118 5 * 0 * 0 * 0 * 0


Generic * 1 * 0 * 0 * 0 * 0 * 0 * 1 * 0

Brand * 2 * 0 * 0 * 1 * 0 * 0 * 1 * 0

Non-Formulary * 2 * 0 * 0 * 1 * 0 * 0 * 1 * 0


Mail Order - Tier 1 * 1 * 0 * 0 * 0 * 0 * 0 * 1 * 0

Mail Order - Tier 2 * 1 * 0 * 0 * 0 * 0 * 0 * 1 * 0

Mail Order - Tier 3 * 1 * 0 * 0 * 0 * 0 * 0 * 1 * 0









24



EE $416 127 $358 6 * 2 $430 57 $414 10 $395 15 $378 17 $431 18

EE+ Spouse $896 115 $820 5 * 2 $962 48 $872 10 $825 15 $817 16 $876 17

EE+ Child(ren) $793 116 $698 6 * 2 $870 48 $735 10 $715 15 $695 16 $758 17

Family $1,240 125 $1,135 6 * 2 $1,295 56 $1,136 10 $1,189 15 $1,125 16 $1,280 18


EE $101 108 $78 4 * 1 $88 50 $91 9 $137 14 $119 14 $104 14

EE+ Spouse $259 102 $310 4 * 2 $216 43 $255 9 $288 15 $301 13 $308 14

EE+ Child(ren) $223 102 $266 4 * 1 $188 44 $210 9 $261 15 $249 13 $264 14

Family $372 109 $488 4 * 2 $286 49 $410 9 $429 15 $431 14 $472 14


EE 24% 38 * 2 * 0 23% 16 27% 4 37% 3 25% 6 21% 6

EE+ Spouse 27% 33 * 2 * 0 24% 14 29% 4 * 2 27% 5 29% 5

EE+ Child(ren) 27% 33 * 2 * 0 24% 14 32% 4 * 2 27% 5 29% 5

Family 26% 35 * 2 * 0 24% 15 32% 4 * 2 27% 5 24% 6


Total Construction Health Manufacturing Non-Profit Service/Financial Wholesale/Distribution/Retail Other



Service/Financial



25


Office Visit

In-Network 16% 56 * 2 * 0 17% 27 19% 7 * 2 13% 10 16% 7

Out-of-Network 36% 107 30% 3 * 2 36% 51 42% 10 39% 13 34% 13 35% 13

Specialist

In-Network 16% 55 * 2 * 0 17% 28 19% 7 * 2 12% 9 15% 6

Out-of-Network 36% 105 30% 3 * 2 36% 51 42% 10 39% 13 34% 12 34% 12

Urgent Care

In-Network 16% 55 * 2 * 0 17% 26 19% 7 * 2 13% 10 16% 7

Out-of-Network 36% 105 23% 3 * 2 36% 49 42% 10 39% 13 34% 13 35% 13

Outpatient Hospital

In-Network 18% 60 33% 3 * 1 19% 29 19% 7 * 2 13% 10 16% 7

Out-of-Network 36% 102 45% 4 * 2 34% 48 42% 10 37% 12 35% 11 35% 13

Inpatient Hospital

In-Network 19% 61 33% 3 * 1 19% 29 19% 7 * 2 20% 11 16% 7

Out-of-Network 37% 104 45% 4 * 2 36% 49 42% 10 39% 13 34% 12 35% 13

Emergency Room

In-Network 16% 57 * 2 * 0 17% 28 19% 7 * 2 13% 10 16% 7

Out-of-Network 32% 70 37% 3 * 1 33% 32 35% 9 37% 5 23% 10 34% 9


EE

In-Network $3,147 139 $3,167 6 * 2 $2,785 67 $3,585 10 $3,641 17 $3,747 18 $3,194 16

Out-of-Network $6,735 127 $5,833 6 * 2 $6,085 60 $7,450 10 $7,423 13 $7,778 18 $7,547 15

EE+Spouse

In-Network $6,136 115 $6,333 6 * 2 $5,546 54 $6,236 7 $6,787 15 $7,307 14 $6,386 14

Out-of-Network $12,976 103 $11,667 6 * 2 $12,118 47 $11,000 7 $12,455 11 $16,286 14 $14,846 13

EE+Child(ren)

In-Network $6,291 115 $6,417 6 * 2 $5,719 54 $6,236 7 $7,320 15 $7,307 14 $6,386 14

Out-of-Network $13,177 102 $11,750 6 * 2 $12,480 47 $11,000 7 $13,909 11 $16,286 14 $13,917 12

Family

In-Network $6,183 134 $6,417 6 * 2 $5,383 64 $7,175 10 $7,271 17 $7,306 16 $6,388 16

Out-of-Network $13,175 121 $11,750 6 * 2 $12,075 57 $14,900 10 $14,462 13 $14,875 16 $14,171 14


Other

Average Deductibles



Total Construction Health Manufacturing Non-Profit Service/Financial Wholesale/Distribution/Retail

26


Generic $12 62 * 1 * 2 $13 30 $14 4 $13 8 $10 10 $10 6

Brand $36 60 * 1 * 2 $37 29 $29 4 $34 8 $36 10 $40 5

Non-Formulary $62 57 * 1 * 2 $64 28 $50 4 $57 8 $67 9 $65 4

Mail Order (No Tier) $73 6 * 0 * 0 $73 3 * 1 * 0 * 1 * 1

Mail Order - Tier 1 $21 59 * 1 * 2 $21 29 $22 3 $19 9 $15 9 $32 5

Mail Order - Tier 2 $77 58 * 1 * 2 $70 28 $71 3 $66 9 $91 9 $105 5

Mail Order - Tier 3 $136 57 * 1 * 2 $125 28 $125 3 $117 9 $169 8 $170 5


Generic 31% 36 * 1 * 0 34% 22 33% 5 * 0 20% 3 30% 4

Brand 32% 38 * 1 * 0 34% 23 35% 6 * 0 20% 3 30% 4

Non-Formulary 34% 39 * 0 * 0 36% 23 43% 5 * 0 21% 4 29% 6

Mail Order (No Tier) 28% 28 * 0 * 0 32% 16 23% 3 * 0 19% 4 30% 4

Mail Order - Tier 1 34% 28 * 0 * 0 36% 21 * 1 * 0 * 1 30% 4

Mail Order - Tier 2 33% 29 * 0 * 0 35% 22 * 1 * 0 * 1 30% 4

Mail Order - Tier 3 35% 31 * 0 * 0 38% 22 * 1 * 0 * 2 29% 5


Other





27



EE $543 11 * 0 * 0 $526 8 * 1 * 0 * 1 * 1

EE+ Spouse $1,097 11 * 0 * 0 $1,082 8 * 1 * 0 * 1 * 1

EE+ Child(ren) $1,044 11 * 0 * 0 $1,006 8 * 1 * 0 * 1 * 1

Family $1,585 11 * 0 * 0 $1,546 8 * 1 * 0 * 1 * 1


EE $122 11 * 0 * 0 $155 7 * 0 * 0 * 2 * 1

EE+ Spouse $263 11 * 0 * 0 $305 7 * 0 * 0 * 2 * 1

EE+ Child(ren) $262 10 * 0 * 0 $329 6 * 0 * 0 * 2 * 1

Family $414 11 * 0 * 0 $483 7 * 0 * 0 * 2 * 1


EE 15% 3 * 0 * 0 * 1 * 0 * 0 * 1 * 1

EE+ Spouse 20% 3 * 0 * 0 * 1 * 0 * 0 * 1 * 1

EE+ Child(ren) 22% 3 * 0 * 0 * 1 * 0 * 0 * 1 * 1

Family 21% 3 * 0 * 0 * 1 * 0 * 0 * 1 * 1

Service/Financial







28


Office Visit

In-Network 13% 6 * 0 * 0 15% 4 * 1 * 0 * 0 * 1

Out-of-Network 41% 9 * 0 * 0 38% 6 * 1 * 0 * 0 * 1

Specialist

In-Network 13% 6 * 0 * 0 15% 4 * 1 * 0 * 0 * 1

Out-of-Network 41% 9 * 0 * 0 38% 6 * 1 * 0 * 0 * 1

Urgent Care

In-Network 13% 6 * 0 * 0 15% 4 * 1 * 0 * 0 * 1

Out-of-Network 41% 9 * 0 * 0 38% 6 * 1 * 0 * 0 * 1

Outpatient Hospital

In-Network 15% 9 * 0 * 0 17% 6 * 1 * 0 * 0 * 1

Out-of-Network 41% 9 * 0 * 0 38% 6 * 1 * 0 * 0 * 1

Inpatient Hospital

In-Network 15% 9 * 0 * 0 17% 6 * 1 * 0 * 0 * 1

Out-of-Network 41% 9 * 0 * 0 38% 6 * 1 * 0 * 0 * 1

Emergency Room

In-Network 14% 7 * 0 * 0 15% 4 * 1 * 0 * 0 * 1

Out-of-Network 31% 8 * 0 * 0 36% 5 * 1 * 0 * 0 * 1


EE

In-Network $2,150 12 * 0 * 0 $1,957 7 * 1 * 0 * 2 * 1

Out-of-Network $3,686 11 * 0 * 0 $3,583 6 * 1 * 0 * 2 * 1

EE+Spouse

In-Network $3,917 12 * 0 * 0 $3,700 7 * 1 * 0 * 2 * 1

Out-of-Network $6,823 11 * 0 * 0 $7,000 6 * 1 * 0 * 2 * 1

EE+Child(ren)

In-Network $3,900 12 * 0 * 0 $3,671 7 * 1 * 0 * 2 * 1

Out-of-Network $6,823 11 * 0 * 0 $7,000 6 * 1 * 0 * 2 * 1

Family

In-Network $4,300 12 * 0 * 0 $3,914 7 * 1 * 0 * 2 * 1

Out-of-Network $7,368 11 * 0 * 0 $7,167 6 * 1 * 0 * 2 * 1




Other

Average Deductibles


29


Generic $11 8 * 0 * 0 $11 5 * 0 * 0 * 2 * 1

Brand $30 8 * 0 * 0 $28 5 * 0 * 0 * 2 * 1

Non-Formulary $51 8 * 0 * 0 $48 5 * 0 * 0 * 2 * 1


Mail Order - Tier 1 $17 6 * 0 * 0 $18 4 * 0 * 0 * 2 * 0

Mail Order - Tier 2 $47 6 * 0 * 0 $46 4 * 0 * 0 * 2 * 0

Mail Order - Tier 3 $81 6 * 0 * 0 $79 4 * 0 * 0 * 2 * 0


Generic 18% 5 * 0 * 0 20% 3 * 1 * 0 * 0 * 1

Brand 24% 5 * 0 * 0 20% 3 * 1 * 0 * 0 * 1

Non-Formulary 28% 5 * 0 * 0 20% 3 * 1 * 0 * 0 * 1

Mail Order (No Tier) 20% 3 * 0 * 0 20% 3 * 0 * 0 * 0 * 0

Mail Order - Tier 1 18% 4 * 0 * 0 20% 3 * 1 * 0 * 0 * 0

Mail Order - Tier 2 18% 4 * 0 * 0 20% 3 * 1 * 0 * 0 * 0

Mail Order - Tier 3 18% 4 * 0 * 0 20% 3 * 1 * 0 * 0 * 0

Manufacturing Non-Profit Service/Financial Wholesale/Distribution/Retail


Other





30

Section 3

Supplemental Healthcare

Questions

What percent of your employees are enrolled in:

Traditional Health Plans 47%

High Deductible Health Plans 54%

Responses 175

If you contribute to the HSA or HRA, what is the annual amount contributed?

HSA HRA

Single $880 $1,390

Employee + 1 $1,390 $2,550

Employee + Child(ren) $1,400 $2,560

Family $1,590 $2,570

Responses 74 29

Yes 19%

No 81%

Responses 186

Monthly surcharge amount:

Average $150

Responses 33

What actions has your company taken in the last 12 months to curb healthcare cost increases?

None 21%

Increased Employee Co-Payment 16%

Increased Employee Contribution to Premium 26%

Increased Employee-Paid Deductible 19%

Utilization Review 17%

Claim Precertification 0%

Reduced Benefits 1%

Increased Prescription Co-Pay 5%

Increased Use of Formularies 2%

Instituted Tiered Co-Pay for Prescriptions 4%

Raised Out-of-Pocket Maximum 12%

Introduced High Deductible Plan or Other Consumer-Driven Plan 10%

Added Wellness Program 24%

Conducted Audits to Determine Dependent Eligibility 7%

Other 18%

Responses 188

Do you apply a spousal surcharge on medical coverage to spouses who have other coverage available?

Percentages may exceed 100% due to multiple responses being allowed. 31

What actions will your company take in the next 12 months to curb healthcare cost increases?

None 21%

Increase Employee Co-Payment 9%

Increase Employee Contribution to Premium 20%

Increase Employee-Paid Deductible 10%

Utilization Review 20%

Claim Precertification 1%

Reduce Benefits 3%

Increase Prescription Co-Pay 3%

Increase Use of Formularies 2%

Institute Tiered Co-Pay for Prescriptions 1%

Raise Out-of-Pocket Maximum 6%

Introduce High Deductible Plan or Other Consumer-Driven Plan 6%

Add Wellness Program 14%

Conduct Audits to Determine Dependent Eligibility 11%

Other 20%

Responses 188

Offer a wellness program?

Yes 63%

No 38%

Responses 184

If Yes, what benefits do you currently offer?

Seasonal Flu Vaccinations 79%

Smoking Cessation Programs 57%

Health Fairs 27%

Fitness Center Membership Discounts/Reimbursement 43%

Biometric Screenings 63%

Weight Loss Programs 34%

Onsite Nurse 3%

Onsite Gym/Exercise Equipment 23%

Health Risk Assessments 46%

24 Hour Nurse Line 47%

CPR/First Aid Clinics 23%

Other 27%

Responses 115

Do you offer an incentive to participate in wellness

Yes 69%

No 31%

Responses 115

Are dependents eligible to participate in your Wellness Program?

Yes 49%

No 51%

Responses 115

Which dependents are eligible to participate in your Wellness Program?

Spouses 98%

Children 32%

Same-sex domestic partners 14%

Opposite-sex domestic partners 9%

Dependent grandchildren 4%

Other 7%

Responses 56

Percentages may exceed 100% due to multiple responses being allowed. 32

health and welfare benefits survey - · pdf filethe 2016 health and welfare benefits survey...

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